Care and reimbursement of costs of accident insurance

Insured persons are entitled to receive appropriate treatment following an accident. In the event of an accident or occupational illness, they are entitled to receive care and reimbursement of costs. 

Treatment

Insured persons are entitled to receive appropriate treatment following an accident. This comprises:

  • outpatient treatment provided by a physician, dentist or chiropractor and (medically prescribed) treatment provided by auxiliary medical personnel;
  • medically prescribed medication and investigations;
  • treatment, board and accommodation in the general ward of a hospital;
  • medically prescribed rehabilitation and spa treatment, and aids and appliances promoting recovery.

Aids

Subject to the applicable tariffs, accident insurance will cover the costs of aids (e.g. prosthetics, hearing aids) to compensate for injuries or functional deficits.

Accidental damage

Accident insurance will cover accidental damage to aids replacing a body part or substituting for a lost function.

Travel, transport and rescue costs

Accident insurance will cover medically necessary travel, transport and rescue costs. There is no limit to these costs, although restrictions apply abroad. If such costs are incurred outside Switzerland, they will be covered up to a maximum of a fifth of the maximum insured income (CHF 148,200).

Treatment abroad

For necessary treatment abroad, costs will be reimbursed up to a maximum of twice the costs that would have arisen for treatment in Switzerland.

Costs of transporting the body and burial

The necessary costs of transporting the body to the place of burial will be covered. Costs incurred abroad for transporting the body to the place of burial will be covered up to a maximum of a fifth of the maximum insured income (CHF 148,200).

Assistance and care at home

Accident insurance will cover medically prescribed care at home. It will also cover non-medical assistance at home if this is not covered by a helplessness allowance.

Last modification 14.05.2020

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Contact

Federal Office of Public Health FOPH
Insurance Supervision Division
Section Accident Insurance, Accident Prevention and Military Insurance
Schwarzenburgstrasse 157
3003 Berne
Switzerland
Tel. +41 58 462 21 11
E-mail

Print contact

https://www.bag.admin.ch/content/bag/en/home/versicherungen/unfallversicherung/leistungen/pflegeleistungen-kostenverguetungen.html